Most often, people do not think they have enough personal property to make a renters policy worthwhiIe. Similar to home insurance, renters insurance protects you in situations that everyone can face: fire, theft, water damage, and other unforeseen circumstances your landlord's policy does not cover. Take a moment to think about what you own, such as computer's, TV's, Ipod's, furniture, clothing, etc., and what you could lose if you did not have a renters insurance policy. If you rent your home, having insurance protection for yourself and your possessions is still important.
Renters insurance typically provides coverage, up to the limits you select, for specified items and situations, including:
Your renters insurance policy can protect your personal property inside your apartment or home if it is affected by any of the following:
You need renters insurance to cover you if any of your furniture, electronics, books, or other belongings get damaged or destroyed. Renters insurance also covers you in the event that someone else is injured in your apartment or home or someone's personal property is damaged and sues you.